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FDIC - Quarterly Banking Profile
TABLE IV-A. Fourth Quarter 2007, All FDIC-Insured Institutions
Fourth Quarter
(The way it is...)		 All Insured
Institutions		 Asset Concentration Groups
Credit Card
Institutions		 International
Banks		 Agricultural
Banks		 Commercial
Lenders		 Mortgage
Lenders		 Consumer
Lenders		 Other
Specialized
< $1 Billion		 All Other
< $1 Billion		 All Other
> $1 Billion
Number of institutions reporting 8,533 27 5 1,591 4,773 786 108 374 813 56
Commercial banks 7,282 23 5 1,586 4,279 183 83 332 749 42
Savings institutions 1,251 4 0 5 494 603 25 42 64 14
Total assets (in billions) $13,038.8 $479.3 $2,784.3 $157.5 $4,619.1 $1,333.6 $94.3 $37.9 $110.1 $3,422.5
Commercial banks 11,176.1 437.9 2,784.3 157.1 4,158.8 211.9 41.2 29.5 95.1 3,260.3
Savings institutions 1,862.7 41.4 0.0 0.4 460.3 1,121.7 53.2 8.4 15.0 162.3
Total deposits (in billions) 8,414.4 153.6 1,706.1 128.2 3,268.7 738.3 71.3 26.7 90.1 2,231.4
Commercial banks 7,308.9 143.2 1,706.1 127.8 2,966.0 79.2 27.4 21.1 78.2 2,159.9
Savings institutions 1,105.5 10.4 0.0 0.3 302.8 659.1 43.8 5.6 11.8 71.5
Net income (in millions) 5,816 3,027 -1,383 424 3,948 -3,230 156 214 258 2,402
Commercial banks 10,540 2,797 -1,383 423 5,097 448 153 117 237 2,651
Savings institutions -4,724 230 0 1 -1,148 -3,678 3 97 21 -249
Performance Ratios (annualized, %)
Yield on earning assets 6.78 13.36 6.20 7.15 6.93 6.38 7.84 5.60 6.61 6.32
Cost of funding earning assets 3.48 4.40 3.57 3.17 3.35 3.86 3.41 2.50 2.87 3.36
Net interest margin 3.30 8.97 2.63 3.99 3.58 2.52 4.43 3.10 3.73 2.96
Noninterest income to assets 1.49 10.43 1.01 0.71 1.05 0.78 2.57 11.20 1.07 1.43
Noninterest expense to assets 3.11 8.32 2.83 2.83 2.97 2.72 3.77 10.26 3.18 2.90
Loan and lease loss provision to assets 0.97 5.37 0.98 0.20 0.72 1.13 1.71 0.09 0.20 0.68
Net operating income to assets 0.24 2.49 -0.19 1.09 0.36 -0.58 0.65 2.28 0.92 0.35
Pretax return on assets 0.16 4.10 -0.63 1.32 0.49 -1.34 1.14 3.61 1.14 0.26
Return on assets 0.18 2.61 -0.20 1.10 0.35 -0.94 0.66 2.30 0.95 0.29
Return on equity 1.74 11.96 -2.55 9.73 3.14 -10.51 5.29 11.46 8.24 2.78
Net charge-offs to loans and leases 0.83 4.23 1.05 0.31 0.60 0.66 1.03 0.26 0.33 0.55
Loan and lease loss provision to net charge-offs 193.46 167.80 209.30 95.69 170.12 240.30 201.17 136.68 104.18 231.63
Efficiency ratio 66.27 42.33 86.38 64.66 63.50 68.46 54.48 73.26 70.43 71.27
% of unprofitable institutions 17.68 11.11 40.00 10.75 20.18 20.87 20.37 28.07 8.86 12.50
% of institutions with earnings gains 47.56 48.15 0.00 58.39 43.08 47.20 51.85 46.26 53.38 46.43
Structural Changes
New Charters 50 0 0 1 17 1 0 31 0 0
Institutions absorbed by mergers 74 0 0 2 63 4 0 0 4 1
Failed Institutions 1 0 0 0 0 1 0 0 0 0
PRIOR FOURTH QUARTERS
(The way it was)
Return on assets (%)
2006		 1.20 3.43 0.96 1.06 1.20 0.91 1.54 2.17 1.00 1.21
2004 1.25 3.72 0.77 1.04 1.25 1.22 1.50 1.74 0.99 1.25
2002 1.20 3.74 0.43 1.02 1.28 1.36 1.41 -0.80 1.02 1.17
Net charge-offs to loans & leases (%)
2006		 0.47 3.88 0.36 0.30 0.35 0.19 1.62 0.32 0.28 0.29
2004 0.60 4.64 1.10 0.31 0.35 0.15 1.44 0.54 0.36 0.24
2002 0.98 5.36 1.73 0.45 0.65 0.29 1.15 2.33 0.49 0.90

Asset Concentration Group Definitions (Groups are hierarchical and mutually exclusive):

Credit-card Lenders - Institutions whose credit-card loans plus securitized receivables exceed 50 percent of total assets plus securitized receivables.
International Banks - Banks with assets greater than $10 billion and more than 25 percent of total assets in foreign offices.
Agricultural Banks - Banks whose agricultural production loans, plus real estate loans secured by farmland, exceed 25 percent of total loans and leases.
Commercial Lenders - Institutions whose commercial and industrial loans, plus real estate construction and development loans, plus loans secured by commercial real estate properties, exceed 25 percent of total assets.
Mortgage Lenders - Institutions whose residential mortgage loans, plus mortgage-backed securities, exceed 50 percent of total assets.
Consumer Lenders - Institutions whose residential mortgage loans, plus credit-card loans, plus other loans to individuals, exceed 50 percent of total assets.
Other Specialized < $1 Billion - Institutions with assets less than $1 billion, whose loans and leases are less than 40 percent of total assets.
All Other < $1 Billion - Institutions with assets less than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations.
All Other > $1 Billion - Institutions with assets greater than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations.

Last Updated 02/26/2008 Questions, Suggestions & Requests

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